Compare Lodi, NJ Car Insurance Rates (2021)

Car insurance in Lodi, NJ averages $594 a month. Lodi, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lodi car insurance rates, compare quotes from the top car insurance companies in Lodi, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lodi is GEICO
  • The cheapest car insurance company in Lodi for teen drivers is GEICO
  • Average car insurance rates in Lodi, NJ are $7,122/year

If you need to buy Lodi, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Lodi, NJ is right here.

You’ll find Lodi car insurance rates, the cheapest Lodi, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Lodi, New Jersey car insurance rates to Elizabeth car insurance rates, Jersey City car insurance rates, and Paterson car insurance rates.

Ready to find affordable Lodi, NJ car insurance today? Enter your ZIP code for fast, free Lodi car insurance quotes.

Cheapest Lodi, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lodi, NJ car insurance rates? Every Lodi, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lodi, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,396 $4,378 $4,303 $4,303 $13,631 $16,174 $5,217 $5,246
Farmers $6,400 $6,449 $6,243 $6,053 $18,385 $21,055 $7,561 $7,562
GEICO $2,840 $2,801 $2,788 $2,788 $5,217 $5,104 $3,291 $3,148
Liberty Mutual $5,944 $5,944 $6,537 $6,537 $15,638 $17,770 $6,537 $7,529
Progressive $2,590 $2,372 $2,329 $2,421 $11,816 $12,775 $3,062 $2,854
State Farm $5,566 $5,566 $5,056 $5,056 $18,523 $23,768 $6,366 $7,113
Travelers $4,257 $4,060 $3,952 $3,939 $9,301 $10,309 $4,062 $3,961

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Minimum Car Insurance in Lodi, NJ

Every driver must carry the minimum car insurance in Lodi, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Lodi, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lodi, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lodi, NJ. Compare credit history car insurance rates in Lodi from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lodi, New Jersey

Insurance Company Poor Fair Good
Allstate $10,175 $6,411 $5,032
Farmers $11,990 $9,222 $8,679
GEICO $5,294 $3,022 $2,176
Liberty Mutual $11,502 $8,501 $7,160
Progressive $5,666 $4,909 $4,506
State Farm $13,955 $8,394 $6,531
Travelers $7,501 $5,380 $3,559

Cheapest Lodi, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lodi, NJ to rates for a clean record with top companies.

Annual Lodi, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,392 $9,027 $7,832 $6,572
Farmers $7,734 $13,093 $10,726 $8,301
GEICO $2,708 $3,577 $4,996 $2,708
Liberty Mutual $8,692 $9,959 $8,875 $8,692
Progressive $4,270 $5,854 $4,950 $5,035
State Farm $5,206 $9,528 $15,339 $8,434
Travelers $4,177 $6,320 $6,084 $5,338

Cheapest Lodi, NJ Car Insurance for Teen Drivers

Teen car insurance in Lodi, NJ can be expensive. Take a look at rates from the top car insurance companies in Lodi for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lodi, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,631 $16,174
Farmers $18,385 $21,055
GEICO $5,217 $5,104
Liberty Mutual $15,638 $17,770
Progressive $11,816 $12,775
State Farm $18,523 $23,768
Travelers $9,301 $10,309

Cheapest Lodi, NJ Car Insurance for Seniors

Take a look at Lodi, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lodi, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,303 $4,303
Farmers $6,243 $6,053
GEICO $2,788 $2,788
Liberty Mutual $6,537 $6,537
Progressive $2,329 $2,421
State Farm $5,056 $5,056
Travelers $3,952 $3,939

Cheapest Lodi, NJ Car Insurance Rates After a DUI

A DUI in Lodi, NJ increases car insurance rates. Compare Lodi, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lodi, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,832
Farmers $10,726
GEICO $4,996
Liberty Mutual $8,875
Progressive $4,950
State Farm $15,339
Travelers $6,084

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Cheapest Lodi, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lodi, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lodi, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,192 $7,219
Farmers $9,964 $9,964
GEICO $3,467 $3,528
Liberty Mutual $8,965 $9,144
Progressive $5,027 $5,027
State Farm $9,372 $9,882
Travelers $5,480 $5,480

The Best Cheap Car Insurance Companies in Lodi, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Lodi, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lodi, New Jersey

Insurance Company Average Annual Rates
Allstate $7,206
Farmers $9,964
GEICO $3,497
Liberty Mutual $9,054
Progressive $5,027
State Farm $9,627
Travelers $5,480

Category Winners: Cheapest Car Insurance in Lodi, New Jersey

Find the cheapest car insurance companies in Lodi, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Lodi, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Lodi, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lodi car insurance rates. Find the cheapest Lodi, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lodi, New Jersey

Insurance Company Low Medium High
Allstate $6,551 $7,328 $7,739
Farmers $8,904 $9,878 $11,108
GEICO $3,089 $3,570 $3,833
Liberty Mutual $8,080 $9,332 $9,752
Progressive $4,514 $5,103 $5,464
State Farm $8,888 $9,762 $10,230
Travelers $4,972 $5,470 $5,997

What affects car insurance rates in Lodi, New Jersey?

What factors can have an impact on Lodi, NJ car insurance? There are several reasons why Lodi car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lodi, New Jersey.

Commute Time in Lodi

The more time you spend in your car the higher the risk of an accident. The average commute length in Lodi, NJ is 29.3 minutes according to City-Data.

Traffic in Lodi

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lodi, NJ traffic data from INRIX ranks Lodi as the 464th-most congested in the world.

Compare Car Insurance Quotes in Lodi, NJ

Ready to find affordable Lodi, New Jersey car insurance today? Enter your ZIP code for fast, free Lodi, NJ car insurance quotes.

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